WO2014128234A2

WO2014128234A2 - Method for registering, making an inventory of, managing, checking and monitoring tangible and intangible rights and/or goods

Info

Publication number: WO2014128234A2
Application number: PCT/EP2014/053374
Authority: WO
Inventors: Markus HÖRMANN
Original assignee: Ekvr Ag
Priority date: 2013-02-22
Filing date: 2014-02-20
Publication date: 2014-08-28
Also published as: CH709530B1; WO2014128234A3

Abstract

The invention relates to a method for registering, making an inventory of, managing, checking and monitoring tangible and intangible rights and/or goods, especially movables, immovables, insurances or the like. The invention is characterized by the creation of inventories in which all rights and/or goods are entered with their respective identification data and/or an identifier.

Description

description

Procedures for registering, inventorizing, managing, verifying and monitoring physical and immaterial rights and / or property

The invention relates to a method for registering, inventorizing, managing, verifying and monitoring tangible and intangible rights and / or goods, in particular movables, real estate, insurance or the like.

Every year many machines, devices or all types of equipment are manufactured or imported. Especially when such movables are around

Capital goods are traded or they are later loaned or insured, a complete resume of such equipment is extremely important to avoid fraud or the like.

In addition, many different types of insurance are taken out by natural and legal persons by a wide range of insurers or intangible rights are traded. Especially in the financing or the transfer of property and rights, especially of machinery and other equipment but also other objects, it is usually a demand of the protection buyer that in addition to the transfer of security adequate insurance for the security taken as a right is completed. In the event of damage, such a hedge must then be paid to the protection buyer to settle his claims. For properties and vehicles subject to registration, such a procedure is known and customary.

Furthermore, in the event of damage it always happens that we falsely pay out to the guarantor instead of to the protection buyer. This represents a considerable damage for both the insurer and the protection buyer, since in case of doubt the insurer must pay twice.

Again and again problems with double insurance, insurance fraud etc. are the order of the day.

The object of the invention is therefore to propose a method which

Double insurance, double lending, double lending, insurance, lending and financing of non-existent goods, double or fictitious claims settlement or the like in addition to all other aforementioned

Problems, prevented. In addition, the procedure should be applicable to tangible and intangible property and rights, including insurance, movables and real estate.

This task is inventively achieved in that an inventory is provided, in which all rights and / or goods with their respective

Identification data and / or a label are registered.

This creates a comprehensive database that captures all essential rights and assets. It is also extremely advantageous according to the invention if the goods are entered directly during their production, production or import and / or rights in their formation.

As a result, a good or right is born, what by the register entry

is documented.

Another very advantageous embodiment of the method according to the invention is when the rights and / or goods are registered by an official or otherwise authorized by state or private law.

This prevents invalid entries. It also ensures that every registered right or good actually exists. Every right or good is created and exists with it.

It is also very advantageous according to the invention if every material or immaterial right and / or good is made distinguishable and comprehensible by means of an individual, virtual or actual identification.

This avoids duplication of rights or goods. The individual, virtual or actual identification can be attached, for example, open and / or hidden. In any case, each good is thereby clearly identifiable.

It is also very advantageous if data about every right and / or good in terms of its state, its condition, its course, its location, its owner, its owner, his insurance, his loan, the respective insured object and / or the like are recorded , As a result, a great deal of relevant information about each right or good can be determined and compared. In particular, the location of goods can be adjusted. A location, for example via GPS is conceivable.

Likewise, it is very advantageous according to a development of the invention, if in addition financing data, security transfer data, financial data,

Insurance data, pre-insurance, loss events or the like are recorded and entered.

This can be a complete link that prevents abuse of rights or goods of all kinds, as otherwise only a land register or the like can partially prevent.

Another very advantageous embodiment of the invention is also present when a duplicate check is performed on all data levels in the acquisition of data.

As a result, double lending, double insurance or the like and also stolen rights / goods can be determined as well as non-existent rights / goods. In addition, the shipment of goods, whose

proper maintenance, insurance or the like. Goods can also be found again if they have been spent. Especially if an invisible identification is appropriate, also goods can be found again, which are for example the subject of an insured event or a theft and have been spent.

It is also extremely advantageous according to the invention if different access levels to the database are provided which prevent improper use. This prevents that cross connections can be pulled. For example, it can be prevented that the creditworthiness of a company can be deduced due to the lending or financing of machines.

According to the invention, it is extremely advantageous if the method is implemented in software and can also be executed as an online portal.

As a result, a very simple and user-friendly applicability is given, especially since the users will certainly not be together in space.

Another very advantageous embodiment of the invention is when a digital security certificate for material and immaterial rights and / or goods is created.

It is very easy to make a security transfer with such a collateral note.

It is also very advantageous according to the invention, if a digital

Proof of ownership for material and immaterial rights and / or goods.

Thus, the proof of ownership can be provided very easily. Due to the complete traceability in the register such proof of ownership is also very reliable.

Another very advantageous development of the method according to the invention is when compilations stolen, damaged or otherwise conspicuous rights and / or goods created and / or published.

This can warn other market participants. The investigation of fraud, embezzlement, theft or the like can be improved. It is extremely advantageous according to the invention if a single or multiple linking of different data sources takes place and thus the authenticity and the relevance of the individual data is improved.

This can significantly increase safety. Incorrect entries will be noticed or prevented in time. The registered data becomes reliable.

An inventively very advantageous development of the invention is also present when material goods as identification an optical or electronic identification, in particular a QR code RFID transponder or the like is attached, which can be made off or readable, the read can be done locally or remotely, the on-site readout can be done with a reader that can have a position determination.

This makes it very easy to identify and verify the identity of each good. A remote reading can be done for example via a machine control and the Internet.

In the following the invention is illustrated by means of an embodiment.

Many machinery and equipment, as well as tangible and intangible rights and / or goods in the sense of this invention, are funded or serve as collateral in taking out loans.

The financiers or lenders have a legitimate interest in receiving appropriate collateral for their financial involvement.

In addition, many tangible and intangible rights and / or goods are insured against various risks. Here it is in the interest of insurers to avoid double insurance as well as insurance fraud, for example by double billing.

For this, it is important first, a reliable proof of the respective rights or goods, so about their existence and the associated ownership and

To gain ownership.

For the aforementioned financing or lending, goods of all kinds are transferred as security to the lenders.

For the lenders or insurers or others who have a legitimate interest, it is currently simply impossible to check whether the respective right or good is even existent, is already the subject of a current, so still ongoing chattel mortgage and if Right or good lendable. At the moment, it is usually not possible to check whether the respective right or good is actually the property of the pledgor. A particularly interesting example here are photovoltaic or wind turbines. As a rule, no proof of ownership has yet been available for these in the offshore sector (mainly wind turbines).

Unlike for motor vehicles or real estate, there are no official ones here

Documents that could be used. A vehicle registration or land register is simply nonexistent.

For this reason, on-site inspections have been carried out so far to at least determine whether the respective goods are in the specified location. The examination of intangible rights has so far been completely impossible.

However, it is not possible to check whether the respective right or good has already been transferred by way of security or who owns or owns it. Likewise, it is usually not possible to find existing insurance, Damage events in the past to examine and also determine the course of damage.

Nor is it possible to verify whether the right or property found in such a check is indeed the same as that indicated.

In addition, these checks are not only labor intensive and time consuming, but also cause significant costs.

In order to ensure adequate security, the checks must currently be carried out repeatedly and repeatedly.

With the method according to the invention, it is now possible to determine beyond doubt not only the existence and the identity of a right or good, but also all other relevant data concerning property, possession, object of one

Chattel transfer, insurance, damage, etc. to check. The security for the lender and also for insurers, buyers, users, etc. is increased and at the same time the costs drastically reduced.

For this purpose, all previously defined rights or goods, including usually machines, equipment, immaterial rights, but also vehicles and real estate during their manufacture or during their import from an area not using the method according to the invention individually marked or with individual characteristics entered in a register. If a right arises, this is also entered in the register.

This initially creates the proof of existence of the respective right or good. This also includes rights and goods to be insured and debited.

By this individualization with distinctive features, it can also include features such as factory numbers, register numbers or the like are used, the respective rights are clearly identifiable. In order to produce the unambiguous identifiability, several features can also be grouped together in order to produce at least a very high probability of unambiguous identifiability.

Individual identification can be carried out in the case of physical objects, for example optically, for example by attaching a serial number, a code or electronically, for example by attaching an RFID tag. For intangible rights, the characteristics of the law can be used and summarized or linked in such a way that every right can be individualized. With an electronic identification this can be made visible and invisible. So it is conceivable that an RFID tag is mounted behind a nameplate and is therefore not normally visible. In other places, such a hidden marking can take place, and this can already be provided by the manufacturer. A marking with artificial DNA is conceivable.

For intangible rights, additional labeling is generally not possible.

With this marking, the respective right or good is entered in the register.

In addition, inventory data for each item can be included in the registry. For example, technical data, maintenance data, ownership and property data, location data, collateral assignments, insurance data, damage events and the like.

By these measures, on the one hand, the proof of manufacture or

Production and, on the other hand, existence and ownership

be detected. If a right or good is now insured or used for a security transfer, this is noted. Should the same good again for another

As a security transfer, this can be detected by a duplicate check. Upon termination of a security transfer, this becomes

of course also noted. At the same time also with everyone

be established whether multiple insurance or pending

Damage events are present. Damage events will typically involve theft, theft and embezzlement, but may also cover other issues.

Likewise, ownership can be determined and verified during a sale.

If now a right or good, in particular a machine or plant is financed, this is registered accordingly. Above all, not only the

Amount of funding, but also the duration of financing.

This can also be displayed shortly before the end of the insurance or financing period.

In the case of bankruptcy, theft or sale of the respective good, this is also noted.

If a right or a good is to be re-financed or mortgaged or even insured, the current status can be queried.

Likewise, when insurance is taken out by examining the register, double insurance can be excluded. Even during the existence of an insurance can damage events, for example, in terms of their

Legitimacy, be monitored. In the event of damage, it can also be ensured that the payment of the sum insured in the event of a transfer by way of security to the protection buyer takes place instead of to the protection seller. This has been a problem in the past and has led insurers to pay sums of money to the owner / owner of a right, either unaware or through lack of supervision, instead of paying to the protection buyer. The

Insurance companies then had to pay again to the protection buyer. This has led to undesirable additional loads, which must be avoided.

Likewise, insurance fraud or even fraud with

Security assignments are prevented and pointed out.

To ensure the confidentiality of all data, access is regulated. Only with the appropriate authorizations can data be queried.

The method according to the invention not only excludes multiple financing and the associated double or multiple security assignments, but also prevents losses and losses on the part of the financers. Problem cases are detected early.

As mentioned above, this also applies to insurance companies. The insurance of any non-existent rights or goods or the double insurance of rights is avoided.

It can also be avoided that objects that have already suffered a total loss, no longer, or only after clarification of the situation,

Usually, total damage will be scrapped, newly financed, transferred by way of security, insurance or the like.

On the other hand, the method according to the invention also offers considerable advantages for the guarantor, ie for the borrower, policyholder or the like. Thus, he can be forewarned shortly before the expiration of existing financing in order to be able to initiate refinancing in good time. In addition, he always has financings and their maturities in view. Insurance problems

For example, with regard to a shortage can also be detected early.

Even when buying rights, it can be ensured that the buyer actually gets the ownership and the right to dispose of the rights. Also, the history of a law can certainly be used for its special quality and can also give it a special value.

The above-mentioned on-site inspections can be reduced, which also significantly reduces the associated costs, especially in the case of transfer by way of security.

In addition, it is possible in the case of payment difficulties, the timely

Securing the rights or goods to initiate or terminate the insurance on time. By combining all the necessary information, coordination and processing costs are reduced.

The data recorded in the register can be subdivided into the data of the financiers, the data of the insurers, the data of the borrowers and the machine data. This provides further security against unwanted cross-connections

guaranteed. The data of the borrowers can also be recorded anonymously.

Access to the register can be handled via subscriptions, individual accesses and the like.

Not only movables and intangible rights can be included in the register. Rather, it is also possible to include real estate. The register created by the method according to the invention can also be seen as a further development of property registers, which offers a total of security against fraud or the like to all involved parties.

Properties and vehicles for which vehicle letters exist can be included in the register created by the method according to the invention.

Different registers or databases are merged, which results in the possibility of cross-border reconciliation. This is very important in view of the common market and the ever more interconnected economic areas in the world through globalization.

Also, such centralized collection and matching can increase the acceptance of currently unacceptable economic areas. It can even reduce corruption.

By issuing digital security notes and digital

Proof of ownership makes it very easy and forgery-proof to prove ownership and security.

Especially in the automotive sector car letters and registration certificates are not considered as proof of ownership. Even these can be supplemented with the method according to the invention, so that a clear proof of ownership can be performed.

Stolen, damaged or otherwise conspicuous rights or goods can also be presented in compilations and published, which can protect other market participants. The risk that these rights or goods may be the subject of a loan, insurance or purchase accidentally, without the existing doubts could be eliminated before, is significantly reduced. Also, the loan, insurance or the purchase of one already no longer existing right or good, which was for example the subject of a total loss, is thus prevented.

The damage or theft history of a right or good can also be displayed and used. Both can be done anonymously, as long as there is no consent of affected persons.

Any kind of fraud is preventively prevented.

Through a multiple procedure between all participants, these are linked and also the data sources are assigned to each other and also linked. The resulting data are of comprehensible authenticity and high

Relevance. False entries are prevented or at least recognized quickly, because they can not be linked.

When linking the data, these are largely anonymized so that unwanted conclusions about other areas are excluded.

Nevertheless, all the public involved receive the necessary security on the market.

Claims

claims

1. Procedure for registering, inventorying, managing, checking and

Monitoring of tangible and intangible rights and / or goods, in particular of movables, real estate, insurance or the like, characterized in that an inventory is provided in which all rights and / or goods are registered with their respective identification data and / or a mark.

2. The method according to claim 1, characterized in that the goods are registered directly in their production, production or import and / or rights in their creation.

3. The method according to claim 1 or 2, characterized in that the rights and / or goods by an official or otherwise state or

be registered under private law.

4. The method of claim 1, 2 or 3, characterized in that each

material or immaterial law and / or good by an individual, virtual or actual marking distinguishable and made detectable.

5. The method according to any one of the preceding claims, characterized in that data about each right and / or good in terms of its status, its condition, its course, its place, its owner, its owner, his insurance, his loan, the respective insured object and / or the like.

6. The method according to any one of the preceding claims, characterized

characterized in that additional financing data,

Collateral transfer data, financial data, insurance data,

Pre-insurance, damage events or the like are recorded and registered.

7. The method according to any one of the preceding claims, characterized

characterized in that a duplicate check is performed on all data levels when collecting data.

8. The method according to any one of the preceding claims, characterized

characterized in that different access levels are provided to the database, which prevent abusive use.

9. The method according to any one of the preceding claims, characterized

characterized in that the method is software implemented and can also be executed as an online portal.

10. The method according to any one of the preceding claims, characterized

characterized in that a digital security certificate for material and immaterial rights and / or goods is created.

1 1. A method according to any one of the preceding claims, characterized

characterized in that a digital proof of ownership for material and immaterial rights and / or goods is created.

12. The method according to any one of the preceding claims, characterized

characterized in that compilations of stolen, damaged or otherwise conspicuous rights and / or goods are created and / or published.

13. The method according to any one of the preceding claims, characterized

characterized in that a single or multiple linking of different data sources takes place and thus the authenticity and the relevance of the individual data is improved.

14. The method according to any one of the preceding claims, characterized

characterized in that an optical or electronic identification, in particular a QR code, an RFID transponder or the like is attached to material goods as identification, which can be designed to be readable or readable, wherein the reading can take place locally or remotely, wherein the on-site readout can be done with a reader that may have a position detection.